UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                              Washington, DC 20549

                                   Form 10-QSB

(Mark one)
[X] Quarterly Report Under Section 13 or 15(d) of the Securities Exchange
    Act of 1934

    For the quarterly period ended March 31, 2006

[ ] Transition Report Under Section 13 or 15(d) of the Securities Exchange
    Act of 1934

    For the transition period from ______________ to _____________

                        Commission File Number: 000-28453


                        Ameri-First Financial Group, Inc.
        (Exact name of small business issuer as specified in its charter)

       Delaware                                                75-2610236
(State of incorporation)                                (IRS Employer ID Number)

                     211 West Wall Street, Midland, TX 79701
                    (Address of principal executive offices)

                                 (432) 682-1761
                           (Issuer's telephone number)

Check  whether the issuer (1) filed all reports  required to be filed by Section
13 or 15(d) of the  Exchange  Act during the past 12 months (or for such shorter
period that the registrant was required to file such reports),  and (2) has been
subject to such filing requirements for the past 90 days. YES [ ] NO [X]

Indicate by check mark whether the  registrant is a shell company (as defined in
Rule 12b-2 of the Exchange Act): YES [X] NO [ ]

State the number of shares outstanding of each of the issuer's classes of common
equity as of the latest practicable date: March 20, 2007: 5,054,422

Transitional Small Business Disclosure Format (check one): YES [ ] NO [X]

                        AMERI-FIRST FINANCIAL GROUP, INC.

                Form 10-QSB for the Quarter ended March 31, 2006

                                Table of Contents


                                                                            Page
                                                                            ----
PART I - FINANCIAL INFORMATION

  Item 1 Financial Statements                                                 3

  Item 2 Management's Discussion and Analysis or Plan of Operation            8

  Item 3 Controls and Procedures                                             10

PART II - OTHER INFORMATION

  Item 1 Legal Proceedings                                                   11

  Item 2 Recent Sales of Unregistered Securities and Use of Proceeds         11

  Item 3 Defaults Upon Senior Securities                                     11

  Item 4 Submission of Matters to a Vote of Security Holders                 11

  Item 5 Other Information                                                   11

  Item 6 Exhibits                                                            11

SIGNATURES                                                                   11

                                       2

                                     PART I
ITEM 1 - FINANCIAL STATEMENTS

                        AMERI-FIRST FINANCIAL GROUP, INC.
                                  BALANCE SHEET
                                 March 31, 2006
                                   (UNAUDITED)


                                     ASSETS

CURRENT ASSETS
   Cash                                                            $     36,980
                                                                   ------------
      TOTAL CURRENT ASSETS                                               36,980
                                                                   ------------
TOTAL ASSETS                                                       $     36,980
                                                                   ============

                      LIABILITIES AND SHAREHOLDERS' DEFICIT
LIABILITIES
CURRENT LIABILITIES
  Accrued interest payable to shareholder                          $    165,566
  Notes payable to shareholder                                          740,000
  Shareholder advances                                                   50,000
                                                                   ------------
      TOTAL CURRENT LIABILITIES                                         955,566
                                                                   ------------
TOTAL LIABILITIES                                                       955,566
                                                                   ------------

COMMITMENTS

SHAREHOLDERS' DEFICIT
  Common stock - $0.00001 par value
    25,000,000 shares authorized
    5,054,422 shares issued and outstanding                                  50
  Additional paid-in capital                                         31,445,482
  Accumulated deficit                                               (32,364,118)
                                                                   ------------

     TOTAL SHAREHOLDERS' DEFICIT                                       (918,586)
                                                                   ------------

TOTAL LIABILITIES AND SHAREHOLDERS' DEFICIT                        $     36,980
                                                                   ============


   The accompanying notes are an integral part of these financial statements.

                                       3

                        AMERI-FIRST FINANCIAL GROUP, INC.
                 STATEMENTS OF OPERATIONS AND COMPREHENSIVE LOSS
                   Three months ended March 31, 2006 and 2005
                                   (UNAUDITED)



                                                                    2006                  2005
                                                                 -----------           -----------
                                                                                 
REVENUES                                                         $        --           $        --
                                                                 -----------           -----------

EXPENSES
  General and administrative expenses                                  2,066                 8,260
  Professional fees                                                    2,500                    --
                                                                 -----------           -----------
Total expenses                                                         4,566                 8,260
                                                                 -----------           -----------
LOSS BEFORE OTHER INCOME AND PROVISION FOR INCOME TAXES               (4,566)               (8,260)

OTHER INCOME (EXPENSE)
  Interest income                                                        329                    --
  Interest expense                                                   (11,850)               11,100
                                                                 -----------           -----------
TOTAL OTHER INCOME (EXPENSE)                                         (11,521)               11,100

LOSS BEFORE PROVISION FOR INCOME TAXES                               (16,087)              (19,360)

PROVISION FOR INCOME TAXES                                                --                    --
                                                                 -----------           -----------

NET LOSS                                                             (16,087)              (19,360)

OTHER COMPREHENSIVE INCOME                                                --                    --
                                                                 -----------           -----------

COMPREHENSIVE LOSS                                               $   (16,087)          $   (19,360)
                                                                 ===========           ===========
Earnings per share of common stock
 outstanding computed on net loss -
 basic and fully diluted                                                 nil                   nil
                                                                 ===========           ===========
Weighted-average number of shares
 outstanding - basic and fully diluted                             5,054,422             5,054,422
                                                                 ===========           ===========



   The accompanying notes are an integral part of these financial statements.

                                       4

                        AMERI-FIRST FINANCIAL GROUP, INC.
                            STATEMENTS OF CASH FLOWS
                   Three months ended March 31, 2006 and 2005
                                   (UNAUDITED)



                                                                     2006               2005
                                                                   --------           --------
                                                                                
CASH FLOWS FROM OPERATING ACTIVITIES
  Net income (loss) for the period                                 $(16,087)          $(19,360)
  Adjustments to reconcile net loss to net cash
   used in operating activities
      Depreciation and amortization                                      --                 --
      Increase in accounts payable - trade                               --              8,260
      Increase in accrued interest payable                           11,850             11,100
                                                                   --------           --------

NET CASH USED IN OPERATING ACTIVITIES                                (4,237)                --
                                                                   --------           --------

CASH FLOWS FROM INVESTING ACTIVITIES                                     --                 --
                                                                   --------           --------

CASH FLOWS FROM FINANCING ACTIVITIES                                     --                 --
                                                                   --------           --------

INCREASE (DECREASE) IN CASH                                          (4,237)                --

Cash at beginning of period                                          41,217                 --
                                                                   --------           --------

CASH AT END OF PERIOD                                              $ 36,980           $     --
                                                                   ========           ========

SUPPLEMENTAL DISCLOSURE OF INTEREST AND INCOME TAXES PAID
  Interest paid for the year                                       $     --           $     --
                                                                   ========           ========
  Income taxes paid for the year                                   $     --           $     --
                                                                   ========           ========



   The accompanying notes are an integral part of these financial statements.

                                       5

                        AMERI-FIRST FINANCIAL GROUP, INC.
                          NOTES TO FINANCIAL STATEMENTS
                                 March 31, 2006


NOTE 1 - ORGANIZATION AND DESCRIPTION OF BUSINESS

On  March  22,  2000,  pursuant  to the  closing  of an  Agreement  and  Plan of
Reorganization (the "Reorganization  Agreement") between Itronics Communications
Corporation and Ameri-First Financial Group, Inc. (AFFG), a Nevada corporation,,
effected a change in control of Itronics Communications  Corporation,  which was
incorporated on August 22, 1995 under the laws of the State of Delaware.

The closing under the  Reorganization  Agreement  consisted of a stock for stock
exchange in which Itronics Communications Corporation acquired all of the issued
and  outstanding  common stock of AFFG in exchange for the issuance of 9,386,116
shares  of  its  common  stock.  As  a  result  of  this  transaction,  Itronics
Communications Corporation became a wholly-owned subsidiary of AFFG.

The  Reorganization  was  approved  by the  unanimous  consent  of the  Board of
Directors of Ameri-First  Financial Group on March 20, 2000. The  Reorganization
qualified as a reorganization  within the meaning of Section 368(a)(1)(B) of the
Internal Revenue Code of 1986, as amended.

Prior to the  Agreement,  Ameri-First  Financial  Group had 9,386,116  shares of
common stock issued and  outstanding.  Following the Agreement,  Ameri-First had
9,436,116  shares of common  stock  outstanding.  Ameri-First  Financial  Group,
formerly  known as Tahoe Pacific  Corporation  and Pacific  Holdings,  Inc., was
incorporated in the State of Nevada on September 27, 1996. Upon effectiveness of
the Reorganization Agreement, pursuant to Rule 12g-3(a) of the General Rules and
Regulations  of the Securities and Exchange  Commission,  Ameri-First  Financial
Group became the successor issuer to Itronics Communications  Corporation,  Inc.
for reporting purposes under the Securities  Exchange Act of 1934 and elected to
report under the Act effective March 22, 2000.

For periods prior to 2000,  the Company  participated  in numerous  unsuccessful
ventures and corporate name changes,  as discussed in greater detail in previous
Form 10-KSB filings.

In March 2000,  Ameri-First  acquired 5 hotel  properties and began managing and
operating hotels.  These hotel properties were foreclosed upon in December 2000.
Since December 2000, the Company has had no assets or operating activities.

On  January  18,  2005,  Registrant  ("AMFG")  and  Wilkerson  Consulting,  Inc.
("Wilkerson")  entered into a Debt and Stock  Purchase  Agreement  with Glenn A.
Little  ("Little")  pursuant  to which  Little  agreed to  purchase  $740,000 in
outstanding  debt  against AMFG held by  Wilkerson  and to purchase  Wilkerson's
stock in the Company,  (700,000 shares) for cash consideration of $60,000.  This
note was  unsecured  and bore  interest  at 6% on  unpaid  principal  and 10% on
matured unpaid  principal.  The entire principal amount and all accrued interest
matured on July 31, 2006. The note payable to shareholder remains outstanding as
of March 20, 2007.

The purchase  price was placed in the escrow  account of  Wilkerson's  attorneys
pending completion of the following conditions precedent.

     1.   Receipt of a Good Standing Certificate from the State of Delaware
          regarding AMFG;
     2.   Completion of GAAP audits and tax returns of AMFG for calendar years
          2002 and 2003;
     3.   Affidavit from the Board of Directors of AMFG that there are no
          additional outstanding debts or demands from either regulatory groups,
          debtors, or stockholders;
     4.   Receipt of a tax lien and judgment search on AMFG showing no liens or
          judgments; and
     5.   Receipt of resignations from the Board of Directors and all officers
          of AMFG and the appointment of Glenn Little to the Board of Directors.

                                       6

In the event such conditions  were not completed  within 120 days of the date of
the agreement,  the $60,000  purchase price was to be returned to Little and the
transaction  terminated.  A closing of the  transaction  was scheduled on May 5,
2005. At the Closing,  Little was advised that the conditions  precedent for the
Closing regarding the GAAP audits and tax returns had not been completed. At the
request of Wilkerson's  legal  counsel,  Little granted an extension of time for
completion of the conditions precedent.

Despite  their  failure to complete the GAAP Audits and tax returns as required,
the officers and directors of the Company  delivered their  resignations and the
appointment  of Little as the sole officer and director of AMFG.  On November 2,
2005,  Wilkerson  delivered  the  required  corporate  resolution  to effect the
transfer of Wilkerson's shares to Little.

Notwithstanding the resignations of the officers and directors of AMFG and their
unilateral  appointment  of Little as the sole  officer and director of AMFG and
the eventual  delivery to Little by Wilkerson  of the  required  resolutions  to
transfer  Wilkerson's  stock  into  Little's  name,  Little  did  not  deem  the
transaction  closed due to the  failure  of  Wilkerson  and AMFG to fulfill  the
conditions precedent relating to the audit and tax returns.

On January 1, 2006,  Little  waived the failure of the  completion of conditions
precedent  and  accepted  his  appointment  as an officer  and  director  of the
Registrant and deemed the transaction closed as of that date.

The Company's current principal  business activity is to seek a suitable reverse
acquisition  candidate  through  acquisition,  merger or other suitable business
combination method.

NOTE 2 - PREPARATION OF FINANCIAL STATEMENTS

The  Company  follows  the  accrual  basis  of  accounting  in  accordance  with
accounting principles generally accepted in the United States of America and has
a year-end of December 31.

The preparation of financial statements in conformity with accounting principles
generally  accepted in the United States of America requires  management to make
estimates  and  assumptions  that  affect  the  reported  amounts  of assets and
liabilities  and disclosure of contingent  assets and liabilities at the date of
the  financial  statements  and the  reported  amounts of revenues  and expenses
during the reporting period. Actual results could differ from those estimates.

Management further acknowledges that it is solely responsible for adopting sound
accounting  practices,   establishing  and  maintaining  a  system  of  internal
accounting  control and preventing and detecting  fraud. The Company's system of
internal  accounting  control is designed to assure,  among other items, that 1)
recorded  transactions  are valid; 2) valid  transactions  are recorded;  and 3)
transactions  are  recorded in the proper  period in a timely  manner to produce
financial  statements which present fairly the financial  condition,  results of
operations  and cash  flows of the  Company  for the  respective  periods  being
presented

During interim periods, the Company follows the accounting policies set forth in
its annual  audited  financial  statements  filed with the U. S.  Securities and
Exchange  Commission  on its  Annual  Report on Form  10-KSB  for the year ended
December 31, 2005.  The  information  presented  within these interim  financial
statements  may not  include all  disclosures  required  by  generally  accepted
accounting  principles  and the  users of  financial  information  provided  for
interim periods should refer to the annual  financial  information and footnotes
when reviewing the interim financial results presented herein

In the opinion of management,  the accompanying  interim  financial  statements,
prepared in  accordance  with the U. S.  Securities  and  Exchange  Commission's
instructions   for  Form  10-QSB,   are   unaudited  and  contain  all  material
adjustments,  consisting  only of  normal  recurring  adjustments  necessary  to
present fairly the financial condition,  results of operations and cash flows of
the Company for the respective  interim  periods  presented.  The current period
results of operations are not necessarily indicative of results which ultimately
will be reported for the full fiscal year ending December 31, 2006.

                                       7

PART I - ITEM 2

MANAGEMENT'S  DISCUSSION  AND  ANALYSIS OF  FINANCIAL  CONDITION  AND RESULTS OF
OPERATIONS

(1) CAUTION REGARDING FORWARD-LOOKING INFORMATION

Certain  statements  contained  in this  quarterly  filing,  including,  without
limitation, statements containing the words "believes", "anticipates", "expects"
and  words  of  similar  import,  constitute  forward-looking  statements.  Such
forward-looking  statements  involve known and unknown risks,  uncertainties and
other factors that may cause the actual results,  performance or achievements of
the Company,  or industry  results,  to be materially  different from any future
results,   performance   or   achievements   expressed   or   implied   by  such
forward-looking statements.

Such factors include, among others, the following:  international,  national and
local general economic and market conditions:  demographic  changes; the ability
of the Company to sustain,  manage or  forecast  its growth;  the ability of the
Company to successfully make and integrate acquisitions;  raw material costs and
availability;  new product  development and  introduction;  existing  government
regulations  and  changes  in,  or  the  failure  to  comply  with,   government
regulations;  adverse publicity;  competition; the loss of significant customers
or suppliers;  fluctuations  and  difficulty in forecasting  operating  results;
changes in business strategy or development  plans;  business  disruptions;  the
ability  to attract  and  retain  qualified  personnel;  the  ability to protect
technology; and other factors referenced in this and previous filings.

Given  these  uncertainties,  readers  of this Form  10-QSB  and  investors  are
cautioned not to place undue reliance on such  forward-looking  statements.  The
Company  disclaims  any  obligation  to update any such  factors or to  publicly
announce the result of any  revisions to any of the  forward-looking  statements
contained herein to reflect future events or developments.

(2) RESULTS OF OPERATIONS

The Company had no revenue for either of the three month periods ended March 31,
2006 and 2005, respectively.

General and administrative  expenses for the three month periods ended March 31,
2006 and 2005  were  nominal.  The  Company  has been  delinquent  in  providing
periodic  filings  pursuant  to  the  Securities  Exchange  Act of  1934.  It is
anticipated that future  expenditure levels will increase as the Company intends
to fully comply with it's periodic  reporting  requirements.  Earnings per share
for the  respective  three month periods ended March 31, 2006 and 2005 was $0.00
and $0.00 based on the weighted-average shares issued and outstanding at the end
of each respective period.

The  Company  does not  expect  to  generate  any  meaningful  revenue  or incur
operating  expenses for purposes  other than  fulfilling  the  obligations  of a
reporting  company  under the  Securities  Exchange Act of 1934 unless and until
such time that the Company's operating subsidiary begins meaningful operations.

At March 31,  2006 and 2005,  respectively,  the Company  had  negative  working
capital of approximately $918,586 and $866,772, respectively.

The Company and it's creditor,  Glenn A. Little,  have acknowledged that outside
funds are necessary to support the corporate entity and comply with the periodic
reporting  requirements of the Securities  Exchange Act of 1934, as amended.  To
this end,  Mr.  Little  has  agreed to lend the  Company  up to  $50,000  with a
maturity  period not to exceed two (2) years from the initial funding date at an
interest rate of 6.0% per annum.  As of March 31, 2006,  Mr. Little has advanced
approximately $50,000 under this agreement, with an initial maturity date in May
2007.

It is the  belief of  management  and  significant  stockholders  that they will
provide  sufficient  working  capital  necessary  to support  and  preserve  the
integrity of the corporate  entity will be present.  However,  there is no legal
obligation  for  either  management  or  significant   stockholders  to  provide
additional  future funding.  Should this pledge fail to provide  financing,  the

                                       8

Company has not  identified  any  alternative  sources.  Consequently,  there is
substantial doubt about the Company's ability to continue as a going concern.

The Company's need for working  capital may change  dramatically  as a result of
any business acquisition or combination  transaction.  There can be no assurance
that the Company will identify any such business, product, technology or company
suitable for acquisition in the future.  Further, there can be no assurance that
the Company would be successful in  consummating  any  acquisition  on favorable
terms  or that it will be able  to  profitably  manage  the  business,  product,
technology or company it acquires.

PLAN OF BUSINESS

GENERAL

The  Company  intends to locate and  combine  with an  existing,  privately-held
company which is profitable  or, in  management's  view,  has growth  potential,
irrespective of the industry in which it is engaged.  However,  the Company does
not  intend  to  combine  with a  private  company  which may be deemed to be an
investment  company subject to the Investment Company Act of 1940. A combination
may be structured as a merger,  consolidation,  exchange of the Company's common
stock for stock or assets or any other form which  will  result in the  combined
enterprise's becoming a publicly-held corporation.

Pending  negotiation and consummation of a combination,  the Company anticipates
that it will have, aside from carrying on its search for a combination  partner,
no business  activities,  and, thus, will have no source of revenue.  Should the
Company incur any significant  liabilities prior to a combination with a private
company, it may not be able to satisfy such liabilities as are incurred.

If the Company's management pursues one or more combination opportunities beyond
the  preliminary  negotiations  stage and those  negotiations  are  subsequently
terminated,  it is  foreseeable  that such efforts  will  exhaust the  Company's
ability to continue to seek such combination opportunities before any successful
combination can be consummated.  In that event,  the Company's common stock will
become  worthless  and  holders of the  Company's  common  stock will  receive a
nominal distribution, if any, upon the Company's liquidation and dissolution.

COMBINATION SUITABILITY STANDARDS

In its pursuit for a combination  partner,  the Company's  management intends to
consider only  combination  candidates  which are profitable or, in management's
view, have growth potential.  The Company's management does not intend to pursue
any  combination  proposal  beyond the  preliminary  negotiation  stage with any
combination  candidate which does not furnish the Company with audited financial
statements  for at least its most  recent  fiscal year and  unaudited  financial
statements for interim periods  subsequent to the date of such audited financial
statements, or is in a position to provide such financial statements in a timely
manner.  The Company will, if necessary  funds are available,  engage  attorneys
and/or accountants in its efforts to investigate a combination  candidate and to
consummate a business  combination.  The Company may require  payment of fees by
such combination  candidate to fund the investigation of such candidate.  In the
event such a combination candidate is engaged in a high technology business, the
Company may also obtain  reports from  independent  organizations  of recognized
standing  covering the technology  being developed and/or used by the candidate.
The  Company's  limited  financial  resources may make the  acquisition  of such
reports  difficult  or even  impossible  to obtain  and,  thus,  there can be no
assurance  that the Company  will have  sufficient  funds to obtain such reports
when considering combination proposals or candidates.  To the extent the Company
is  unable to  obtain  the  advice or  reports  from  experts,  the risks of any
combined enterprise's being unsuccessful will be enhanced.  Furthermore,  to the
knowledge of the Company's officers and directors, neither the candidate nor any
of  its  directors,   executive  officers,  principal  shareholders  or  general
partners:

     (1)  will not have been  convicted of  securities  fraud,  mail fraud,  tax
          fraud, embezzlement,  bribery, or a similar criminal offense involving
          misappropriation  or theft of funds,  or be the  subject  of a pending
          investigation or indictment involving any of those offenses;

                                       9

     (2)  will not have been subject to a temporary or permanent  injunction  or
          restraining  order arising from unlawful  transactions  in securities,
          whether as issuer, underwriter, broker, dealer, or investment advisor,
          may be the subject of any pending  investigation  or a defendant  in a
          pending  lawsuit  arising from or based upon  allegations  of unlawful
          transactions in securities; or
     (3)  will not have been a defendant in a civil  action which  resulted in a
          final judgments against it or him awarding damages or rescission based
          upon unlawful practices or sales of securities.

The Company's  officers and directors will make these  determinations  by asking
pertinent  questions of the  management of prospective  combination  candidates.
Such persons will also ask pertinent  questions of others who may be involved in
the combination proceedings.  However, the officers and directors of the Company
will not generally take other steps to verify independently information obtained
in this manner which is favorable.  Unless  something  comes to their  attention
which  puts  them on  notice  of a  possible  disqualification  which  is  being
concealed  from them,  such persons will rely on  information  received from the
management of the prospective  combination  candidate and from others who may be
involved in the combination proceedings.

(3) LIQUIDITY AND CAPITAL RESOURCES

It is the  belief of  management  and  significant  stockholders  that they will
provide  sufficient  working  capital  necessary  to support  and  preserve  the
integrity of the corporate  entity will be present.  However,  there is no legal
obligation  for  either  management  or  significant   stockholders  to  provide
additional  future funding.  Should this pledge fail to provide  financing,  the
Company has not  identified  any  alternative  sources.  Consequently,  there is
substantial doubt about the Company's ability to continue as a going concern.

The Company has no current plans, proposals, arrangements or understandings with
respect to the sale or issuance of additional  securities  prior to the location
of a merger or  acquisition  candidate.  Accordingly,  there can be no assurance
that sufficient  funds will be available to the Company to allow it to cover the
expenses related to such activities.

The Company does not currently contemplate making a Regulation S offering.

Regardless of whether the  Company's  cash assets prove to be inadequate to meet
the Company's  operational needs, the Company might seek to compensate providers
of services by issuances of stock in lieu of cash.

ITEM 3 - CONTROLS AND PROCEDURES

As required by Rule 13a-15 under the Exchange  Act,  prior to the filing date of
this report,  the Company carried out an evaluation of the  effectiveness of the
design and operation of the Company's  disclosure controls and procedures.  This
evaluation was carried out under the supervision and with the  participation  of
the Company's management, including the Company's President, Chief Executive and
Chief Financial Officer.  Based upon that evaluation,  the Company's  President,
Chief  Executive  and  Chief  Financial  Officer  concluded  that the  Company's
disclosure controls and procedures are effective. There have been no significant
changes in the  Company's  internal  controls or in other  factors,  which could
significantly  affect  internal  controls  subsequent  to the date  the  Company
carried out its evaluation.

Disclosure  controls and procedures are controls and other  procedures  that are
designed to ensure that information  required to be disclosed in Company reports
filed or submitted under the Exchange Act is recorded, processed, summarized and
reported,  within the time  periods  specified  in the  Securities  and Exchange
Commission's  rules and  forms.  Disclosure  controls  and  procedures  include,
without limitation,  controls and procedures designed to ensure that information
required to be  disclosed  in Company  reports  filed under the  Exchange Act is
accumulated  and  communicated  to  management,  including the  Company's  Chief
Executive and Chief Financial Officer as appropriate,  to allow timely decisions
regarding required disclosure.

                                       10

                           PART II - OTHER INFORMATION

ITEM 1 - LEGAL PROCEEDINGS

None

ITEM 2 - RECENT SALES OF UNREGISTERED SECURITIES AND USE OF PROCEEDS

None

ITEM 3 - DEFAULTS ON SENIOR SECURITIES

None

ITEM 4 - SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS

The  Company  has held no  regularly  scheduled,  called or special  meetings of
shareholders during the reporting period.

ITEM 5 - OTHER INFORMATION

None

ITEM 6 - EXHIBITS

31.1  Certification  pursuant  to  Section  302 of  Sarbanes-Oxley  Act of 2002
31.2  Certification  pursuant  to  Section  302 of  Sarbanes-Oxley  Act of 2002
32.1  Certification pursuant to Section 906 of Sarbanes-Oxley Act of 2002
32.2  Certification pursuant to Section 906 of Sarbanes-Oxley Act of 2002

                                   SIGNATURES

In accordance with the  requirements of the Exchange Act, the registrant  caused
this  report to be  signed on its  behalf  by the  undersigned,  thereunto  duly
authorized.

                                              AMERI-FIRST FINANCIAL GROUP, INC.


Dated: March 19, 2007                         /s/ Glenn A Little
       --------------                         ----------------------------------
                                                                  Glenn A Little
                                                                      President,
                                                        Chief Executive Officer,
                                                                    and Director

Dated: March 19, 2007                         /s/ Glenn A. Little
       --------------                         ----------------------------------
                                                                 Glenn A. Little
                                                        Secretary, Treasurer and
                                                                    Director and
                                                         Chief Financial Officer

                                       11